Comprehensive Car Insurance

Comprehensive insurance

Comprehensive car insurance is the right choice when you are driving a new or recent second-hand car. Our comprehensive car insurance covers you against:

• damage caused to your vehicle by yourself or a third party
• theft or attempted theft of the vehicle, or part of the vehicle
• glass breakage (including panoramic roofs)
• damage from natural causes (storms, hail, flooding)
• damage caused by animals
• damage resulting from a collision with an animal
• damage caused by an animal gnawing through electric cables, pipes or engine compartment insulation (such as pine martens)
• damage caused by fire, explosion, lightning or electrical short-circuit

Your vehicle is therefore protected against all damages, regardless of the cause. There are only four exceptions – these are clearly stated in your policy.

Consult the general terms and conditions of this product to learn about all the coverages and exclusions.

Mini comprehensive insurance

Our multi-risk insurance covers your vehicle against:

• theft or attempted theft of the vehicle, or part of the vehicle
• glass breakage (including panoramic roofs)
• damage from natural causes (storms, hail, flooding)
• damage caused by animals
• damage resulting from a collision with an animal
• damage caused by an animal gnawing through electric cables, pipes or engine compartment insulation (such as pine martens)
• damage caused by fire, explosion, lightning or electrical short-circuit

Do not hesitate to consult the general terms and conditions of this product to learn about the coverages and exclusions.

Fully Insured Customer – 10%¹

Benefit from a 10% discount throughout the duration of your contract² on the Liability (MTPL) and Top Omnium guarantees, if you also have:

• an active active fire insurance policy with AG
• and at least one other AG insurance policy: Top Family Liability, Providis Global Legal Protection, and/or Top Accidents²⁺³

Welcome Gift – 10%

Benefit from a 10% discount during the first year of your contract, if you do not meet the « Fully Insured Client » conditions²⁺³.

EcoBonus – 10%

To encourage low-CO2 mobility, you'll benefit from a 10% discount for the entire duration of your contract if your vehicle is electric or hybrid. Mild hybrid vehicles or MHEVs, which offer some electric assistance but can't run on electric power alone, are not eligible for this discount ².

Security Bonus – 10%

Driver assistance systems reduce the risk of accidents. That’s why you’ll benefit from a 10% discount on Third-Party Liability cover and on the ‘Material Damage’ section of your comprehensive insurance if your vehicle is equipped with at least 2 of the following 5 systems: lane assist, adaptive cruise control, blind spot warning, automatic parking or rear collision warning.

KmBonus - up to 15%

The less you drive, the less risk you have of having an accident. If you drive less than 25,000 km/year, you can benefit from a discount of up to 15% for electric and petrol cars and up to 10% for diesel cars, depending on the number of kilometres you drive².

Want to know more?

Do you want more information about comprehensive car insurance or mini-comprehensive insurance? Consult the documents below:

• General terms and conditions
• Information document
• Pre-contractual information

Insatisfait·e ?

If you have a complaint, you can address it to BNP Paribas Fortis SA, Complaint Management Service JQABD, Montagne du Parc 3, 1000 Brussels, tel. 02 228 72 18, gestiondesplaintes@bnpparibasfortis.com or via www.bnpparibasfortis.be > Suggestions or complaints > online declaration form.

If the proposed solution does not satisfy you, you can address your complaint by post to the Insurance Ombudsman Service, Square de Meeûs 35, 1000 Brussels, BCE: 884.072.054, tel.: 02 547 58 71, info@ombudsman-insurance.be -
www.ombudsman-insurance.be.

Informations légales

AG Insurance (abbreviated as AG) SA – Bd E. Jacqmain 53, B-1000 Brussels - www.aginsurance.be - info@aginsurance.be - RPM Brussels – VAT BE 0404.494.849 - Insurance company approved under code number 0079, under the supervision of the National Bank of Belgium, Bd de Berlaimont 14, 1000 Brussels.

Intermediary: BNP Paribas Fortis SA  – Montagne du Parc 3, B-1000 Brussels – RPM Brussels – VAT BE 0403.199.702, is registered under this number with the FSMA, Rue du Congrès 12-14, 1000 Brussels, and acts as a tied insurance agent, remunerated by commissions, for AG Insurance SA. BNP Paribas Fortis SA holds a stake of more than 10% in AG Insurance SA.